5 online tools that will help make your business startup a success

Starting a new business can be an exciting and often terrifying venture. With the advent of technology and the rise of the digital age, more and more people have been starting businesses online with mixed results. For those on the lower end of the spectrum, this is mainly attributed to their inexperience, and the lack of efficient tools to build an online enterprise out of. Fortunately, these days, there are plenty of tools available on the Internet that can help make your business startup a success. Here are five online tools that are sure to make a difference.



Build the website for your business with GetResponse’s Landing Page Creator 

The first step to creating an online enterprise is to start with the website. For online ventures, starting strong is key, and making the right online tool is doubly important. Fortunately, GetResonse’s landing page software can achieve all of that and more, allowing you the freedom to build the website for your online business any way you’d like. Aside from the actual creation of the website itself, it allows its users to measure all of the traffic and makes integration with social media sites easy as can be.

For selling digital products, e-Junkie gets the job done

Aside from starting strong, setting up shop as quickly as possible is important as well. Time is money, and with e-Junkie not a single cent is wasted. For an affordable price, e-Junkie gives you the ability to very easily sell any of your digital products; all you have to do is to simply upload what you wish to sell. It is an invaluable resource for anyone looking to start an online enterprise, and its ease-of-use will make you wish that more online tools out there were like e-Junkie.

For a business offering services and goods online, PayPal is the best way to sell

PayPal is one of the methods that e-Junkie offers when it comes to payments, and for good reason. Creating an account is free, you can link it up with the account that your bank uses and just like that you are ready to begin. You can even embed PayPal buttons that say “Buy Now,” or “Add to Cart” to your main website so that it is easy and simple for your customers-to-be as well. 

Need online freelancers? Virtual Staff Finder is the online tool for you

While it might be easy to start an online business, it’s another thing entirely to maintain it. Eventually you will need a team of people ready to maintain your business all day, every day. It’s always a smart investment to hire a team when you are feeling overwhelmed, and Virtual Staff Finder can do just that.

Keep your website safe from viruses by using Bitdefender

Finally, for the budding online business that wants to make sure that its website is as safe as can be, Bitdefender Antivirus is the best online tool for the job. It practically guarantees fool-proof security and ensure that your website is not plagued by viruses or other malignant entities which stalk the digital world. Creating an online enterprise is a tricky business, but with these online tools at your side, you are as prepared as you can possibly be to overcome all the obstacles that lie ahead 

via yourstory

Isn't Entrepreneurship at an All-Time High? Nope. Not Even Close

Ever feel that being an entrepreneur is like having a membership at a big club? Heads up: The roster is getting smaller. According to a new Brookings Institution study,entrepreneurship has reached at least a three-decade low across virtually all of the country.

The paper doesn't pretend to understand why this trend has occurred--and beware of any impulse you may have to say, "Of course!" However, there are clear implications for those trying to run their own businesses. Some are good in the short term; many are bad in the long. It does mean that entrepreneurs have to look at a shifting landscape that could change the way they create and grow companies.

By the Numbers

Rather than try to measure psychological attitudes towards entrepreneurship, researchers Ian Hathaway and Robert Litan (the latter formerly a vice president of research and policy at the Ewing Marion Kauffman Foundation, which studies and fosters entrepreneurship) looked at some hard numbers.

One set was the difference between the rate at which new businesses were started and closed, based on U.S. Census data. The graph below shows the pattern:

Business entries mean companies that were less than a year old, expressed as a percentage of total businesses. Exits are the percentage of firms that went out of business for whatever reason.

For decades, the entrance of firms outpaced their exit, meaning a net increase in new businesses. The authors see that--reasonably, it seems--as a proxy to an inclination toward entrepreneurism. But since at least 1978, the lines have converged, albeit slowly. In 2008, they reached a watershed moment and crossed.

The math is simple: More firms leaving than arriving means a shrinking percentage of business is being controlled by entrepreneurs. And notice that the exits were relatively steady. It was the creation of new firms that has sagged.

The second set of data supports a conclusion that entrepreneurship faces a major challenge. Job reallocation--"a broad measure of labor market churning resulting from the underlying business dynamism of firm expansions, contractions, births, and closures"--has also been declining for decades. As people increasingly stay put, fewer are moving to other employment, including new ventures.

You might explain the second figure as a result of a tighter job market, a more conservative approach by employees, or general concern about the future. But put them together and you have a picture of people shying away from risk and not betting their future on a new business.

This also isn't an issue of a slump in some parts of the country. According to the report, the results are fairly even across every state and nearly all of the 366 metropolitan areas examined.

The Bottom Line

The implications for entrepreneurs are generally sobering:

• The authors conclude that there is a general atmosphere of consolidation in which older, larger businesses are doing increasingly better than new ones.
• An additional observation you could make is that as things contract, the general support network that had been available to entrepreneurs is likely doing the same. That includes the availability of mentors, partners, and investors.
• With lowering levels of entrepreneurship in the country, chances are that other countries could provide greater competition, often at lower labor rates, creating increased pressure on U.S. entrepreneurs.

According to the authors, the country needs to consider strong actions, because of the importance of new firms and entrepreneurs in the economy. They suggest allowing more foreign entrepreneurs to receive permanent work visas, letting foreign students in STEM fields to remain and work (particularly as they are twice as likely as native-born Americans to start businesses), and have state and local organizations and governments try new ways to encourage entrepreneurship.

via  INC

For Designerzzzz : 5 top Cinema 4D plugins

Cinema 4D has become the go-to app for 3D art for motion graphics artists, as well as visual effects, illustration and arch viz work. It has an incredibly versatile and full featured tool set but one of the best things about it is the community of users.

On top of being one of the most friendly, welcoming and sharing communities around with many free tutorials, it is also one of the most useful, as there are many users and experts making tools to increase efficiency in key areas, build presets or whole new modules.

Most of these come as plugins, although some are simple scene files or lib files, to access through the content browser. Here are a few choice favourites to really help speed up your workflow.

01. Perfect split 

Perfect Split is a simple but effective speed boost for modelers

Charles Rowland has created this little plugin to solve a niggle with a part of Cinema 4D's workflow. Although you can work around it this neat little plugin make s a 30 second job a 3 second one and will do away with one of modeling in C4D's annoying little quirks.

It essentially makes it quick and painless to cut a section of geometry from a mesh and make it it's own item in the hierarchy, removing the original, so you have two clean meshes and no old points to tidy up. It may be small but it's a winner for many modelers.

02. X-Particle

Fully featured particle engine, with dynamics and a fluid solver.

In contrast to the simplicity of Easy Split, is the behemoth of X-Particle, which is a beast of a plugin. If you have any need for a particle system then this is the tool for you. It caters for every need, from simple to it's full blown fluid simulator.

Even though it is incredibly feature-rich it remains easy to understand and works in harmony with other areas of Cinema 4D, including dynamics and mograph tools. It's based ona very logical Question and Answer/Action workflow and has many actions built in.

There are also numerous modifiers, such as turbulence and flocking. It can handle millions of particles, has a built in skinner plus so much more. Far too much to mention here but check out their site for video examples and free tutorial videos.

03. Movietype

Movietype is the best tool for Cinema 4D typographic projects

For anybody with a need to create motion graphics text this plugin is a must. It ships with a huge number of presets, for various needs and animation styles.

Motionworks, the developer of the plugin have created it with a huge amount of broadcast graphics experience behind them and, as well as being intuitive, the presets really are useful on a daily basis. The icing on the cake is the collection of 22 training videos, showing you how to get the very best out of it. Watch this space for updates soon!

04. EasyLINE

Built for a popular workflow, EasyLine is fast and intuitive

This is another of those presets which is built with the sole purpose of speeding up workflow and reducing repetitive tasks. The trend in motion graphics to link nodes with lines is still going strong and although it's fairly simple to set up in 3D, it is one of those jobs that takes time and can get tiresome fast.

Slouchcorp (Mike Batchelor) has created this little preset to do all the grunt work for you. This is exactly the type of thing that makes the C4D community so good. Artists helping other artists.

05. Nitroman

Nitroman is not a single plugin but is a plugin making machine

Nitroman is not a single plugin but is a plugin making machine. He must live and breath plugins, as he releases a new one at a furious rate. Many are workflow enhancers, that do jobs that C4D already does but reduce the time taken, or neaten the work in other ways

Others are much more their own entity. Among the best are things like Thrausi, a destruction plugin that makes it easy to use dynamics to destroy a mesh, splintering into user defined numbers of pieces and even catering for separate internal materials, once the object is shattered. A truly great collection of tools, many of which are free.

Have we missed a brilliant Cinema 4D plug in? Let us know in the comments...

10 Times You're Better Off Saying Nothing at All

You've probably read before about the key phrases that greatest leaders say every day.

But great leaders are also wise when it comes to the opposite strategy: Sometimes, the smartest thing to say is nothing at all.

I'm not referring here simply to the advice your mother might have given you about keeping your mouth shut if you don't have anything nice to say. Instead, think of the big moments when people come close to achieving goals, accomplishing great things, or even just developing good relationships and encouraging people to like them more. Sometimes, a simple slip of the tongue can set them back and destroy all they've worked for.

It's the same issue whether we're talking about negotiations, investigations, or plain old conversations. So, in the interest of preventing us from wishing wistfully that our mouths had been on Mute, here are 10 times when the sounds of silence are the best sounds of all.

1. When the other side in a negotiation starts debating against itself.

Sometimes people get into a spiral of bad negotiating tactics. They wind up outsmarting themselves--perhaps making an offer and then rejecting their own offer because they think you won't take it. Imagine a customer who opens a conversation by saying that he understands you can't cut the price on your product before asking for some smaller concession--and then maybe even convincing himself that even that's too much to ask for.

For a fun, extreme example of this in action, see this video from The Princess Bride. Often your best move in that situation is to keep your mouth shut and simply stay out of their way.

2. When you've asked a question.

We all know these people, right? They ask questions but can't wait for you to finish so they can offer their own viewpoint. Sometimes they don't even bother waiting and instead try to hurry you along with verbal cues--"uh-huh, uh-huh, right, right, right..."

When they asked for advice, what they really meant was, "Let's fast-forward to the part where I tell you what I think, instead." Don't be like them. To paraphrase baseball great Yogi Berra, you can observe a lot by watching, and you can also learn a lot by listening.

3. When the other side misunderstands (and you don't have a duty to talk).

A lawyer once told me about selling a client's company. To make a long story short (lawyers love that phrase), the negotiation went much more smoothly than she'd expected. Eventually, she realized this was because some whiz-kid M.B.A. on the other side of the table had made a simple math error. That led him to overestimate vastly how much money the acquiring company would likely make after the deal was done.

The lawyer was overcome with apprehension, until she realized the right thing to say: nothing at all. That way, she wouldn't be breaching her duty not to misrepresent facts to the buyer, but she also wouldn't do anything to scuttle her client's deal. The moral of the story is that you don't always have an obligation to correct someone else's mistakes.

4. When you don't have any idea what you're talking about.

Silence is awkward. As a result, people often rush to fill it. I used to use this tendency to my advantage when I was a trial attorney taking depositions in civil cases. Sometimes, I'd ask a witness an open-ended question, and even though the witness's tone of voice suggested he'd finished his answer, I'd just continue to wait expectantly, as if anybody with half a clue would understand he had to keep it coming. Sometimes, the witness would keep going and dig himself a bigger hole.

You never have to fill a silence, especially when you don't have anything useful to fill it with. (In those cases, it's true: Everything you say may well in fact be used against you.)

5. When you need someone else to get the credit.

As President Harry S. Truman once said, you can accomplish just about anything if you don't care who gets the credit. Sometimes, that means staying quiet just long enough for someone else to think of your solution and propose it as his or her own.

6. When you are bragging, as opposed to sharing.

This one is among the scourges of social media. Go on Facebook, for example, and sometimes it seems as if everyone you know is eating well, taking amazing vacations, running marathons, and enjoying storybook relationships.

Is all of this about social sharing or social bragging? If you find you're leaning toward the latter with the things you talk about, maybe it's time to be quiet.

7. When your comment is more about you than the other person.

Suppose your co-worker Sally is excited for her plans for the weekend. You catch yourself ready to tell her about a better place than what she's planned or why she should take her trip on another weekend--maybe when the weather is better, when the traffic will be less hectic, or when she'll have fewer competing commitments.

Aw, that's really nice of you--as long as you're sure your comments are truly intended to improve her experience or offer good advice. If there's a chance you're commenting out of jealousy or pride, however, maybe you'd be better off zipping it.

8. When you want someone else to grow.

This is a similar point to when you want someone else to get the credit for a good idea. If you have a second grader in your family, chances are you could do her homework for her without much effort. But what would be the point? You want her to learn and grow, which means she has to be the one to come to the conclusions on her own.

The same thing is true in many other circumstances. Instead of leaping forward to answer a thoughtful question that you know the answer to, sometimes it makes sense to hold back and let others figure it out.

9. When you are clearly boring people.

I admit it. I've got what's called "the Irish gift of gab." I enjoy telling stories. My wife laughs at how often I seem to wind up telling total strangers the story of how she and I met and got together. It's a good one, though! You see, we'd gone to college together and dated for a while, but then broke up...

OK, I'll hold off on it for now, and that's the point. Most of us can tell when we're holding court for an audience that simply couldn't care less. In that case, cut it short, wrap things up, and stop talking.

10. When you begin a speech.

I love this example, and it's something I first put into practice when arguing appeals in court.

Whenever I give a speech, I try to start out with a long, uncomfortable pause. Doing so puts the audience ill at ease for a moment and gets them rooting for you. They worry that you've lost your notes or that you're about to keel over from a panic attack. That way, when you start talking, you'll have at least a few of them on your side, happy that at least you haven't made them witness an embarrassing meltdown (h/t, Winston Churchill)

via inc

20 Time-Management Lessons Everyone Should Learn In Their 20s

When you're just starting your career, you need all the help you can get managing your time. Even when you're working hard, you could be wasting a tremendous amount of time by trying to multitask or by focusing too much on minute details.

Montreal-based designer Étienne Garbugli has struggled with all of that. But as he got older, he learned how to manage his time and workload more effectively. Today, he's a consultant and entrepreneur, and recently published his first book, "Lean B2B: Build Products Businesses Want."

Last year, he collected some of his favorite lessons in the SlideShare presentation "26 Time Management Hacks I Wish I'd Known At 20." In December, SlideShare named it the "Most Liked" presentation of 2013.

Below, we've explained some of Garbugli's best time management tips everyone should learn in their 20s:

1. There's always time. Time is priorities.

You never actually "run out of time." If you didn't finish something by the time it was due, it's because you didn't consider it urgent or enjoyable enough to prioritize ahead of whatever else you were doing.

2. Days always fill up faster than you'd expect.

Build in some buffer time. As the founder of Ruby on Rails and Basecamp David Heinemeier Hansson said, "Only plan on four to five hours of real work per day."

3. Work more when you're in the zone. Relax when you're not.

Some days you'll be off your game, and other times you'll be able to maintain your focus for 12 hours straight. Take advantage of those days.

4. Stop multitasking. It kills your focus.

There have been academic studies that found that the brain expends energy as it readjusts its focus from one item to the next. If you're spending your day multitasking, you're actually exhausting your brain.

5. We're always more focused and productive with limited time.

Work always seems to find a way of filling the space allotted for it, so set shorter time limits for each task.

6. Work is the best way to get working. Start with small tasks to get the ball rolling.

The business plan you need to finish may be intimidating at 8 in the morning. Get your mind on the right path with easy tasks, like answering some important work emails.

7. Work iteratively. Expectations to do things perfectly are stifling.

Gen. George S. Patton once said: "A good plan executed now is better than a perfect plan executed next week."

8. More work hours doesn't mean more productivity. Use constraints as opportunities.

Don't kid yourself into thinking that sitting at your desk will somehow extract work from you. Do whatever you can to finish your current task by the end of regular work hours instead of working well into the night.

9. Separate brainless and strategic tasks to become more productive.

Ideally, you can brainstorm your ideas and then execute them. If you're constantly stopping your flow of work to rethink something, you're slowing yourself down.

10. Organize important meetings early in the day. Time leading up to an event is often wasted.

If you have an important meeting scheduled for 4 p.m., it's easy for anxiety to set in and keep that meeting at the front of your mind. Try to get them over with early so you can work without worrying about them.

11. Schedule meetings and communication via email or phone back-to-back to create blocks of uninterrupted work.

You'll disrupt your flow if you're reaching out to people throughout the day.

12. Work around procrastination. Procrastinate between intense sprints of work.

Try Francesco Cirillo's "Pomodoro Technique." Pomodoro is Italian for "tomato," and it refers to the tomato-shaped cooking timer Cirillo used to break his work into 25-minute increments with five-minute breaks in between. You can use the same idea with your own increments, as long as they inspire bursts of hard work.

13. Break down a massive task into manageable blocks.

Alabama football coach Nick Saban follows a similar philosophy he calls "The Process." Instead of having his players focus on winning the championship, he trains them to focus only on what is directly in front of them — each block, pass, and field goal.

14. No two tasks ever hold the same importance. Always prioritize. Be really careful with to-do lists.

Daily to-do lists are effective ways of scheduling your day. Just do what you can to keep bullet points from making "clean desk" on par with "file taxes."

15. Always know the one thing you really need to get done during the day.

To help prioritize, determine what task in front of you is most important, and focus your energy into getting that done as soon as possible.

16. Delegate, and learn to make use of other people.

To be truly efficient, get over the fear of handing work off to someone else. "If something can be done 80% as well by someone else, delegate!" says John C. Maxwell, author of "How Successful People Think: Change Your Thinking, Change Your Life."

17. Turn the page on yesterday. Only ever think about today and tomorrow.

Don't distract yourself with either the successes or failures of the past. Focus instead on what's in front of you.

18. Set deadlines for everything. Don't let tasks go on indefinitely.

Spending too much time on a project or keeping it on the backburner for too long will lead to stagnation. Get things done and move on.

19. Always take notes.

Don't assume you'll remember every good idea that comes into your head during the day. It doesn't matter if it's a notebook, whiteboard, or an app like Evernote — just write stuff down.

20. Write down any unrelated thoughts that pop up when you're in the zone, so that they don't linger as distractions.

You'll get them out of the way without losing them.

Citi: These 10 Technologies Will Utterly Transform The World

Citi Research is out with a list of 10 disruptive innovations.

It's a brand-new list from the one did they did last year.

"For the most part, when people think about disruptive innovation, technology is the first thing that comes to mind — smartphones, flat-screen TVs, MP3 players — things that have come on the market that have totally replaced products that we had and make us think, 'How did we ever live without this wonderful machine?''" said Citi's Kathleen Boyle. "But disruption can be so much more than just a better way to listen to music."

Check it out:

4-D Printing

Description: The movement is spearheaded by a guy named Skylar Tibbits, a researcher in MIT's architecture department. The idea is this: You used 3-D printers to print out smart materials that can shape or assemble themselves. The concept is still in its infancy, but Citi says this could help people build stuff in extreme conditions, or allow medical devices to construct themselves once they're implanted.

"Utilizing a 3-D printer to build the object layer by layer, intelligence can be imprinted directly into the actual structure [via more rigid or flexible materials] dictating the transformation and the eventual shape of the object."

Insane stat: The U.S. Army recently contributed $855,000, split among Harvard, the University of Illinois, and the University of Pittsburgh to help advance projects focused on 4-D printing.

Relevant graphic: Watch THIS! 

4D Printing: Truncated Octahedron from Skylar Tibbits on Vimeo.

Digital Banking

Description: Citi says that, though it remains at an early stage, mobile banking is going to take off around the world. They forecast an 86% compound annual growth rate to $447 billion from $69 billion in 2016. Although the largest volumes will be in developed markets, the greatest opportunities for new entrants lie in emerging markets thanks to the relative lack of established financial institutions.

Meanwhile, more and more banking services will become automated, resulting in savings costs.

Insane stat: Norway, Finland, and Sweden operate at branch per population densities two times or more below developed market peers.

Relevant graphic: Cash intensity by country

Citi

Digital Currency

Has Bitcoin finally made it? Citi's Steven Englander, who's written about the cryptocurrency, gives a basic introduction and talks up the potential of the block chain (both Bitcoin's and the concept in general). He poses the technology's potential thusly: "Bitcoin advocates who benefit from Bitcoin appreciation argue strongly for its role as an asset, but the transactions technology is generic and efficient and less complicated than introducing an intermediate currency (Bitcoin) to facilitate USD to USD or USD to EUR transactions."

Insane stat: As of April 2014, Bitcoinpulse counted 29,000 merchants accepting Bitcoin.

Relevant graphic: Price vs. transaction volume.

Citi

Digital Marketing

Description: There's nothing new here per se but Citi says growth will start accelerating. The main outcome of this will be more user data. "...The digital market uses and generates massive amounts of data and it is this data that differentiates digital marketing from traditional offline marketing. The result is a highly personalized experience for a consumer across all channels in an experience that the prospective or current customer appreciates and they in turn encourage through greater access to their personal data."

Insane stat: Real-time-bidding-based digital ad spending will see a 66% compound annual growth rate into 2016. (Real-time bidding means the ad buying and placement process is automatic.)

Relevant graphic: the return to publishers from ads is not what it used to be

Citi

Electric Vehicles

Description: Citi's interesting suggestion, from analyst Itay Michaeli, for wider market goes like this: "The consumer purchases a new EV at a much lower price ($11-13k depending on size/ cost) and does so worry free of any residual value risk tied to future battery technology advancements. The operator would own the batteries, bill customers and operate battery switching stations that allow consumers to quickly (and robotically) switch batteries when desired or when taking very long drives."

Insane stat: Tesla plans to offer a Gen-3 model priced at $35,000. "A $35k price point is historically what’s required to begin the path towards achieving sizeable volume of over 100k units (typically 2-3 years after launch), in theory enough to crown Tesla as the 1st mover in the affordable pure EV market."

Relevant graphic: This cost comparison table

Citi

Energy Storage

Here is the clearest justification for energy storage we've yet seen, from Citi's Jason Channell: Solar generates its electricity when most households are empty, or have limited demand. Saving that electricity for later would dramatically offset consumption prices. He continues: "The potentially greater value is in terms of avoided capacity payments, and the grid stability which storage could provide. If storage could be combined with smart metering and demand response, we could conceivably move to a situation where load is managed (i.e., by dishwashers etc. being turned on automatically when demand was lowest and vice versa) and supply is being managed by storage. This could significantly reduce the amount of stranded capacity and hence wasted cost on an electricity system, as well as improve its reliability.

Insane stat: In the first quarter of 2014, solar and wind combined generated 28% of German electricity.

Relevant graphic: Here is the breakdown of the potential market size for different storage technologies

Citi

Immunotherapy

Immunotherapy involves training the immune system to both better recognize cancer cells, and attack them so that cancer becomes nothing more than a chronic condition. From Citi's Andrew Baum: "While existing chemotherapy or even newer oral drugs have a powerful initial effect on tumor shrinkage (the so called “response rate”), the durability of these responses are typically very short, after which the tumor begins to grow again and starts to spread (metastasize). In contrast, the durability of responses with immunotherapy can last a decade or longer, due to the induction of an ongoing immunological memory, targeting cancer cells for an indeterminate length of time and making it a potential tool to transform a significant percentage of cancers into something akin to a chronic disease."

Insane stat: Two-thirds of Western cancer incidence could be successfully treated with immunotherapy.

Relevant graphic: Here's how many more people immunotherapy will keep alive

Citi

Insurance Securitization

Description: Insurance securitization represents a threat to reinsurance, which is how insurers currently pool their own risk. Instead of having to dump all that risk into one or two firms, insurance securitization would allow an insurer to spread their risk across capital markets in the form of securitized bundles.

Insane stat: Reinsurers had to cut their prices 15% in response to securitizers.

Relevant graphic: Most insurance-linked securities are focus on property policies like hurricane insurance. But some tried to get smart and sell life-insurance policies into the capital markets. After the financial crisis, they wised up:

Citi

Precision Agriculture

Description: Citi bundles a bunch of different technologies into this category. They include: yield mapping, soil sampling and mapping, hyper-local weather detectors, a farming machine Internet, and big data. "Unless there is a major divergence from historical trends, new land will not be nearly enough to meet [global food demand]. Farm productivity needs to take another step higher, and we think Precision Agriculture will be an important avenue to achieve these productivity gains."

Insane stat: The average age of a U.S. farmer is 57. 

Relevant graphic: Here's how much more food Citi says we're going to need in the coming decades.

Citi

Robots

Description: The world leader? China, thanks to "the up-trend of wages (albeit from relatively low levels), the peaking out of the working population, the high level of job-hopping and the general trend of Chinese workers not wanting low-paid manual assembly, picking, inspecting or packaging jobs in factories."

Insane stat: U.S. manufacturing comprises just 12% of GDP, meaning that in that sector at least, there may not be that many more replaceable workers.

Relevant graphic: The CAGR for global volumes is about 8.5%.

via business insider